JP7382274B2 - Output program, output method and output device - Google Patents

Description

The present invention relates to an output program and the like that output reference information.

A matching system has been proposed that matches sellers who sell products and buyers who purchase products (for example, Patent Document 1).

Japanese Patent Application Publication No. 2001-306857

However, conventional matching systems assume situations in which new products are procured. Therefore, it is not suitable for reviewing suppliers for the purpose of cost reduction. In addition, in business management, there are various matching tasks such as selecting funding sources and potential collaboration partners that suit the company, but no matching system has been proposed for these tasks. The present invention has been made in view of these circumstances. Its purpose is to provide an output program that outputs reference information for management.

The output program according to the present invention generates information regarding the growth in the number of users' reservations based on the reservation data acquired from the reservation system from time to time, and generates information regarding the growth in the number of users based on the attendance data acquired from the attendance system at any time. , Generate information regarding the user's review score from the review site at any time, and include at least two pieces of information regarding the user's sales growth, profit growth, the growth in the number of reservations, the growth in the number of personnel, financial status, the review score, or industry type. Conditions including conditions related to sales growth, profit growth, growth in the number of reservations, growth in the number of personnel, financial status, word-of-mouth scores, or industry type in order to acquire index information including, and obtain funds by methods including loans from other corporations including financial institutions. Condition information for obtaining funds by a method including a loan from the other corporation that matches the acquired index information is extracted from the storage unit that associates and stores information and financing source information, and the loan is obtained from the extracted other corporation. The present invention is characterized by causing a computer to perform a process of acquiring financing source information associated with condition information for obtaining funds by a method including the above, and outputting the acquired financing source information.

In the present invention , the condition information for obtaining funds that matches the user's index information is extracted, the financing source information associated with the condition information is acquired, and the acquired financing source information is output. It becomes possible to obtain information on funding sources with a high possibility of funding .

FIG. 2 is an explanatory diagram showing a configuration example of a matching system. FIG. 2 is a block diagram showing an example of the hardware configuration of a matching server. FIG. 2 is a block diagram showing an example of the hardware configuration of a user terminal. It is an explanatory diagram showing an example of a user DB. It is an explanatory diagram showing an example of additional information DB. FIG. 3 is an explanatory diagram showing an example of indicators stored in an indicator DB. FIG. 3 is an explanatory diagram showing an example of indicators stored in a matching indicator DB. It is an explanatory diagram showing an example of small-medium judgment DB. FIG. 2 is an explanatory diagram showing an example of a small-scale determination DB. It is an explanatory diagram showing an example of subsidy/loan DB. It is an explanatory diagram showing an example of pickup condition DB. It is an explanatory diagram showing an example of user evaluation DB. It is an explanatory diagram showing an example of offer condition DB. It is an explanatory diagram showing an example of attribute DB. It is an explanatory diagram showing an example of category DB. It is an explanatory diagram showing an example of content DB. It is an explanatory diagram showing an example of history DB. It is an explanatory diagram showing an example of a credit/anti-social DB. 3 is a flowchart illustrating an example of a procedure for account creation processing. 3 is a flowchart illustrating an example of a matching process procedure. It is a flowchart which shows the example of a procedure of subsidy/public loan matching processing. It is a flowchart which shows the example of a procedure of subsidy/public loan matching processing. It is an explanatory diagram showing an example of subsidy/public loan matching processing. 3 is a flowchart illustrating an example of a procedure for supplier matching processing. FIG. 3 is an explanatory diagram showing an example of index pickup. FIG. 2 is an explanatory diagram showing an example of processing related to purchase amount. It is an explanatory diagram showing an example of processing regarding travel expenses and transportation expenses. FIG. 2 is an explanatory diagram showing an example of acquired content. It is a flowchart which shows the example of a procedure of offer condition setting processing. It is a flowchart which shows the example of a procedure of offer matching processing. It is an explanatory diagram showing an example of offer matching processing. It is a flowchart which shows the example of a procedure of a promotional material etc. matching process. FIG. 2 is an explanatory diagram showing an example of matching processing for promotional materials, etc.; It is a flowchart which shows the example of a procedure of account opening preparation processing. It is an explanatory diagram showing an example of a basic information input screen. It is an explanatory diagram showing an example of a matching type selection screen. It is an explanatory diagram showing an example of a condition setting screen. It is an explanatory diagram showing an example of a matching result screen. It is an explanatory diagram showing an example of a company screen. It is an explanatory diagram showing an example of an opening setting screen. FIG. 3 is an explanatory diagram showing an example of a destination selection screen. It is an explanatory diagram showing an example of an opening request reception screen. It is an explanatory diagram showing an example of a category selection screen and a promotional material display screen.

Embodiments will be described below with reference to the drawings. FIG. 1 is an explanatory diagram showing an example of the configuration of a matching system. The matching system 100 includes a matching server 1 and a user terminal 2. The matching server 1 and the user terminal 2 are connected to each other via a network N so that they can communicate with each other. The matching system 100 is communicably connected to other systems 3, which are various data sources, through a network N.

Other systems 3 include a reservation system, a POS (Point of Sale System) system, an attendance system, an accounting system, a payroll system, and an ordering system. The reservation system allows reservations for consultations at medical institutions, seat reservations and banquet reservations at restaurants, facility reservations for rental conference rooms, tour reservations for travel, ticket reservations for transportation, lesson reservations for language learning, and treatment reservations for beauty salons and nail salons. This includes systems for making various reservations. POS systems include not only general systems that aggregate the sales results of goods sold on an individual item basis, but also systems that aggregate the sales results of services in the service industry on a service menu basis. An attendance system is a system that manages the attendance of employees, including full-time employees, contract employees, part-time employees, etc. Accounting systems include management accounting systems, financial accounting systems, etc. A payroll system is a system that calculates salaries to be paid to employees and stores the history of salary payments. The ordering system is a system for receiving and placing orders for products and services.

In addition, other systems 3 include a purchasing inventory management system, an employee goal/evaluation management system, an employee motivation management system, a word-of-mouth site management system, a coupon site management system, a customer survey management system, and a website including a mail order site. The system may include a system that provides browsing history of sites and SNS (Social Networking Service), and a system that provides keywords, products, and services that are attracting attention on the Internet.

Furthermore, the other systems 3 include a credit information providing system and an anti-social database. A credit information providing system is a system that provides the results of a company's credit investigation. A credit check is also called a credit check. The results of the credit investigation are information that serves as a reference when setting limits for financing such as loans and credit transactions. The results of the credit investigation include a score for each company. Ratings are determined by comprehensively considering a company's profit and loss situation, capital structure, managerial ability, company history (business history), etc. The anti-social database is a system that accumulates and provides information on anti-social forces. Anti-social forces are a general term for groups and individuals who pursue economic gain by making unreasonable demands, using violence, force, or fraudulent methods.

Although three user terminals 2 are shown in FIG. 1, the number of user terminals 2 may be two or less, or four or more.

FIG. 2 is a block diagram showing an example of the hardware configuration of the matching server. The matching server 1 performs processing to match various pieces of information. The matching server 1 is composed of a server computer and the like. The matching server 1 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, a large capacity storage section 14, a communication section 15, and a reading section 16. Each configuration is connected by bus B.

The CPU 11 controls each part of the hardware according to a control program 1P stored in the ROM 12. The RAM 13 is, for example, SRAM (Static RAM), DRAM (Dynamic RAM), or flash memory. The RAM 13 temporarily stores data generated when the CPU 11 executes a program.

The large-capacity storage unit 14 is, for example, a hard disk or an SSD (Solid State Drive). The mass storage unit 14 stores various databases (DB: DataBase). Further, the control program 1P may be stored in the mass storage section 14. The database stored in the large-capacity storage unit 14 may be stored in a location other than the matching server 1. For example, it may be stored in a database server or cloud storage.

The communication unit 15 communicates with the user terminal 2 via the network N. Alternatively, the CPU 11 may use the communication unit 15 to download the control program 1P from another computer via the network N or the like and store it in the mass storage unit 14. Note that the functions of the matching server 1 may be provided by a cloud service.

The reading unit 16 reads a portable storage medium 1a including a CD (Compact Disc)-ROM and a DVD (Digital Versatile Disc)-ROM. The CPU 11 may read the control program 1P from the portable storage medium 1a via the reading unit 16 and store it in the mass storage unit 14. Alternatively, the CPU 11 may download the control program 1P from another computer via the network N or the like and store it in the mass storage unit 14. Furthermore, the CPU 11 may read the control program 1P from the semiconductor memory 1b.

FIG. 3 is a block diagram showing an example of the hardware configuration of a user terminal. The user terminal 2 includes a notebook computer, a panel computer, a tablet computer, a smartphone, etc. The user terminal 2 includes a CPU 21 , a ROM 22 , a RAM 23 , a communication section 24 , an input section 25 , a display section 26 , and a mass storage section 27 . Each configuration is connected by bus B.

The CPU 21 controls each part of the hardware according to the control program 2P stored in the ROM 22. RAM 23 is, for example, SRAM, DRAM, or flash memory. The RAM 23 temporarily stores data generated when the CPU 21 executes a program.

The communication unit 24 communicates with the matching server 1 via the network N. Alternatively, the CPU 21 may use the communication unit 24 to download the control program 2P from another computer via the network N or the like and store it in the mass storage unit 27.

The input unit 25 is a keyboard or a mouse. The display section 26 includes a liquid crystal display panel and the like. The display unit 26 displays the reference information output by the matching server 1. Reference information includes information on new supplier candidates, new customer candidates, subsidies, public financing, etc. The display section 26 may be a touch panel display integrated with the input section 25. Note that the user terminal 2 may display the information on an external display device.

The mass storage unit 27 is, for example, a hard disk or an SSD. The mass storage section 27 stores various data.

The database used by the matching system 100 will be explained. FIG. 4 is an explanatory diagram showing an example of a user DB. The user DB 141 stores basic information regarding users (corporations). Basic information is static information that only needs to be updated several times a year. The user DB 141 has a user ID column, a name column, a number of employees column, an industry column, a capital/investment column, a listed/unlisted column, a small business column, a small business column, a location column, a sales area column, a company history column, and the gender of the manager. column, manager age column, and cognate/non-cognate column. The user ID column stores a user ID that can uniquely identify a user of the matching system 100. The user ID is determined when creating a user account. The name column stores the user's name. The employee number column stores the number of employees of the user. The industry column stores the user's industry. The capital/investment column stores the user's capital or investment amount. The listed/unlisted column stores whether or not the stock is listed if the user is a stock company. For example, when the item is listed, the listed/unlisted column stores “listed”. When unlisted, the listed/unlisted column stores "unlisted". If the user is a company other than a stock company, the listed/unlisted column may store "unlisted" for convenience. The small business column stores whether the user corresponds to a small business. If the user is a small business, the small business column stores "O". If the user is not a small business, the small business column stores "X". The small business column stores whether the user falls under a small business. If the user is a small business, the small business column stores "O". If the user is not a small business, the small business column stores an "X". The criteria for determining whether a business is a small business or not, and the criteria for determining whether a business is a small business, are determined in advance. The location column stores the location of the user's head office, head office, headquarters, etc. The location is the prefecture name, city name, etc. The sales area column stores the user's sales area. If the sales area is nationwide, "nationwide" is stored in the sales area column. If the business area is a metropolitan area, the business area column stores the name of the metropolitan area. The business area column stores prefecture names, city, ward, town, and village names, etc. The sales area column may store multiple values. The company history column stores the number of years since the user's founding of the company. The manager gender column stores the gender of the manager, for example, the representative director. The manager age column stores the manager's age. The family/non-family column stores whether the user's management type is a family business. If the user's management type is a family business, the family/non-family column stores “family”. If the user's management type is not a family-owned business, the family/non-family column stores "non-family". Note that the values stored in the listed/unlisted column, small business column, small business column, and family/non-family column may be 0 or 1, true or false, TRUE or FALSE, or the like. Further, the number of employees column and the capital/investment column may be stored in a database other than the user DB 141.

FIG. 5 is an explanatory diagram showing an example of the additional information DB. The additional information DB 142 stores user information that does not overlap with items stored in the user DB 141. Figure 5 mainly shows the information required when receiving subsidies or public financing. Additional information DB 142 is collected from other systems 3. Or collect information by surveying users. The additional information DB 142 includes a user ID column, a new business column, a new product column, a capital investment column, an elderly employment column, a young employment column, a foreign employment column, and a certification support column. The user ID column stores user IDs. The new business column stores whether there is a new business. For example, if there is a new business, the new business column stores "Yes". If there is no new business, "none" is stored in the new business column. A new business is, for example, a business that has been started within one year, or a business that involves product development and is scheduled to start within approximately three years. The new product column stores whether there is a new product. For example, if there is a new product, "available" is stored in the new product column. If there is no new product, "none" is stored in the new product column. A new product is, for example, a product that has been released within one year. The conditions for determining that a product is new may differ depending on the industry. The equipment investment column stores whether or not there is a plan to make equipment investment. For example, if there is a plan for capital investment, "Yes" is stored in the capital investment column. If there is no plan for capital investment, "none" is stored in the capital investment column. Capital investment refers to, for example, the installation or renewal of equipment to improve business operations. The elderly employment column stores whether or not there is employment of elderly people. For example, if elderly people are employed, "Yes" is stored in the elderly employment example. If no elderly people are employed, "none" is stored for the elderly employment example. Employment of the elderly, for example, refers to employing workers over 60 years of age for 20 or more working hours per week. The youth employment column stores the presence or absence of youth employment. For example, if a young person is employed, "Yes" is stored in the youth employment example. If no young people are employed, "None" is stored as the youth employment example. For example, youth employment refers to the employment of young people under the age of 35 who have not been employed as full-time employees for approximately three years or more within the past five years. The foreign employment column stores the presence or absence of foreign employment. For example, if a foreigner is employed, "Yes" is stored in the foreigner employment example. If no foreigners are employed, "None" is stored as the foreigner employment example. For example, foreign employment refers to employing a foreign worker for a prescribed working time of 20 hours or more per week for 6 months or more. The certified support column stores whether or not support is provided by a certified support organization. If support is received from a certified support organization, "Yes" is stored in the certified support column. If no support has been received from a certified support organization, "None" is stored in the certified support column. A certified support organization is an organization that has been accredited by the government and is staffed by people with specialized knowledge and practical experience at a certain level or above, and that receives management consultation from small and medium-sized enterprises and micro-enterprises. means.

FIG. 6 is an explanatory diagram showing an example of indicators stored in the indicator DB. Indicators are collected from other systems 3. In the table shown in FIG. 6, the category column indicates the collection source of the index. The acquisition frequency column indicates the frequency at which indicators are collected. The index column indicates the content of the index. The matching server 1 annually collects P/L, B/S, C/F planning data, sales planning data, and other planning data from the accounting system. Past ○ periods indicates that data from multiple past periods is held. The matching server 1 annually collects P/L, B/S, C/F performance data, sales performance data, and other performance data from the accounting system. The display of the past XX periods is the same as the plan data. Furthermore, the matching server 1 collects P/L, B/S, and C/F information from the accounting system on an annual or monthly basis. P/L, B/S, and C/F information are data for this period. The P/L, B/S, and C/F information includes plan data and actual data. Note that P/L indicates a profit and loss statement, B/S indicates a balance sheet, and C/F indicates a cash flow statement.

The matching server 1 collects the number of reservations and cancellation rate from the reservation system in real time. As mentioned above, in the case of a restaurant, the number of reservations is the number of seat reservations and banquet reservations. The cancellation rate is the percentage of canceled reservations out of the number of reservations. Real time means that the number of reservations and cancellation rate held by the reservation system and the index DB 143 are synchronized with almost no time difference. "Almost no time difference" means that the time difference is 15 minutes or less at most. The matching server 1 collects seat information, number of seats, and number of reservation plans from the reservation system at the time of initial registration. The seat information includes the number of tables and seats. A frame is a time frame that includes a start and end time. The number of frames is the number of frames per day. The number of reserved plans is the number of plans including service content and fees that the customer can select at the time of reservation. The time of initial registration refers to when a new user is registered in the matching system 100, when a store of an existing user of the matching system 100 is newly registered in the reservation system, etc.

The matching server 1 collects sales rankings, cost rankings, unit prices, repeat rate, number of coupons, and material names and quantities in real time from the POS system.

The matching server 1 collects individual working hours, individual working days, and individual consecutive working days from the attendance system in real time. The matching server 1 collects the total number of employees, the number of full-time employees, the number of part-time employees, the number of new employees, and the number of retired employees from the attendance system on a monthly basis.

The matching server 1 collects sales by customer, purchase amount by supplier, customer name, and supplier name from the ordering system on a monthly basis.

The matching server 1 collects browsing history, keyword names, purchase history, and word-of-mouth scores from web servers, SNS, and word-of-mouth sites on the network N in real time.

The matching server 1 collects credit scores for each company, anti-social company list, and names of anti-social individuals from the credit information providing system on a monthly basis. Antisocial individuals are individuals who are recognized as antisocial forces.

FIG. 7 is an explanatory diagram showing an example of indicators stored in the matching indicator DB. The matching index stored in the matching index DB 144 is obtained from data and indexes stored in the user DB 141 and the index DB 143. In the table shown in FIG. 7, the category column indicates the classification of the index. The index column indicates the index. The category "condition information" mainly indicates indicators used for condition determination in determination processing. The indicators included in the category "condition information" are, for example, sales/profit growth rate, surplus/deficit, desired period, desired price, and desired conditions. Growth rates of sales and profits can be calculated from P/L performance data for multiple periods. Surplus/deficit is an index indicating whether the user is in the surplus or in the red. Whether the user is in the black or in the red can be determined from the previous term's net income using P/L performance data. The desired time, desired price, and desired conditions are, for example, the delivery date, purchase price, and transaction conditions presented to the supplier. These can be inferred from the ordering history of the ordering system.

The category "accounting" indicates an index that can be collected from an accounting system or an index that can be found based on the index collected from an accounting system. The indicators included in the category "accounting" are, for example, the debtor classification, the number of years to redeem debt, the number of years to eliminate excess debt, sales level, gross profit level, operating profit level, and ordinary profit level. Debtor classification refers to the classification of creditors in a loan. They are classified based on the debtor's ability to repay, based on their financial situation, cash flow, earning capacity, etc. The debtor classification may be collected from those determined by financial institutions or credit reporting agencies, or may be determined by the matching server 1 from data such as P/L and C/F. The matching server 1 can determine the number of years for debt redemption, the number of years for eliminating excess debt, sales level, gross profit level, operating profit level, and ordinary profit level from data such as P/L and C/F.

The category "ordering" indicates indicators that can be collected from the ordering system or indicators that can be determined based on the indicators collected from the ordering system. The indicators included in the category “order placement” are, for example, customer match rate and supplier match rate. The customer match rate is a value indicating compatibility with the customer. The customer match rate is calculated, for example, from the order data of the order system. The supplier match rate is a value indicating compatibility with the supplier. The supplier match rate is calculated, for example, from the ordering data of the ordering system.

The category "POS" indicates an index that can be collected from a POS system or an index determined based on the index collected from a POS system. The index included in the category "POS" is, for example, customer class.

The category "attendance" indicates an index that can be collected from the attendance system or an index that can be found based on the index collected from the attendance system. The index included in the category "attendance" is, for example, the retention rate. For example, the retention rate can be calculated from the history of the number of employees.

FIG. 8 is an explanatory diagram showing an example of a small/medium size determination DB. The small and medium-sized determination DB 145 stores rules for determining whether a user is a small or medium-sized company. The value of the small and medium-sized business column of the user DB 141 is determined using the small and medium-sized determination DB 145. The small and medium-sized determination DB 145 includes an industry column, a capital/investment column, and a number of employees column. The industry column stores the industry of companies determined to be small and medium-sized enterprises. The capital/investment column stores the capital or investment conditions for determining a small business. The employee number column stores the conditions for the number of employees to be determined as a small business. In the example shown in FIG. 8, a company in the manufacturing industry or other industries is determined to be a small to medium-sized enterprise if its capital/investment is 300 million yen or less and the number of employees is 300 or less. Companies in the wholesale trade industry are classified as small and medium-sized enterprises if their capital/investment is 100 million yen or less and the number of employees is 100 or less. Companies in the retail industry are considered small and medium-sized enterprises if their capital/investment is 50 million yen or less and the number of employees is 50 or less. Companies in the service industry are classified as small and medium-sized enterprises if their capital/investment is 50 million yen or less and the number of employees is 100 or less.

FIG. 9 is an explanatory diagram showing an example of a small-scale determination DB. The small-scale determination DB 146 stores rules for determining whether a user is a small-scale company. The value of the small business column of the user DB 141 is determined using the small scale determination DB 146. The small scale determination DB 146 includes an industry column and an employee number column. The industry column stores the industry of a company determined to be a small business. The employee number column stores the conditions for the number of employees to be determined as a small company. In the example shown in FIG. 9, a company in manufacturing or other industries is determined to be a small company if it has 20 or fewer employees. Businesses in the commercial and service industries are considered small businesses if they have five or fewer employees. A company in the retail industry is considered a small business if its capital/investment is 50 million yen or less and the number of employees is 50 or less.

FIG. 10 is an explanatory diagram showing an example of a subsidy/loan DB. The subsidy/loan DB 147 stores information on subsidies and public loans. Grants are funds that do not need to be paid back. Public financing is financing provided by public institutions such as the national government and local governments. The grant/loan DB 147 includes an ID column, a distinction column, a name column, a condition 1 column, a condition 2 column, a condition 3 column, a condition 4 column, and a condition 5 column. The ID column stores IDs that can uniquely identify subsidies and public loans. The distinction column stores the distinction of whether it is a subsidy or a public loan. In the case of a subsidy, the distinction column is stored as subsidy. In the case of public financing, the distinction column is memorized as loan. The name column stores the name of the grant or public loan. Condition 1 to condition 5 columns store conditions for receiving a subsidy or loan. If there are no five conditions for receiving a subsidy or public loan, the condition 5 column etc. is blank or "-" indicating not set is stored. The number of condition strings may be from 1 to 4, or may be 6 or more. In FIG. 10, when all the conditions shown in the condition 1 column to the condition 5 column (excluding blanks and unset conditions) are satisfied, it is determined that the conditions for receiving a subsidy or public loan are satisfied. However, in the case of "+" in the values of condition 1 column to condition 5 column, it is determined that the condition is satisfied if any one of the plurality of conditions to which "+" is added is satisfied. In FIG. 10, the subsidy for promoting employment of people over 65 years old with ID=A1 is targeted at small and medium-sized enterprises that employ elderly people. Condition 2 is nationwide, so if you are operating in Japan, you are eligible. ID=B3 female, young/senior entrepreneur support funds are available to small and medium-sized enterprises that have been in business for less than 7 years, and whose managers are women or who are under 35 years old, or If the age of the manager is 55 years or older, it is determined that the condition is met.

FIG. 11 is an explanatory diagram showing an example of the pickup condition DB. The pickup condition DB 148 stores pickup conditions for matching. The pickup condition is a selection condition for an index used when performing matching processing. In the example shown in FIG. 11, conditions for selecting an index that is an expense item are stored. The pickup condition DB 148 includes a pickup column and a content column. The pickup column stores names of pickup conditions. The content column stores the content of the pickup condition. In the example of FIG. 11, the pickup conditions are common to all users, but may be settable for each user.

FIG. 12 is an explanatory diagram showing an example of a user evaluation DB. The user evaluation DB 149 stores user evaluation information. The evaluation here is an evaluation required when considering a business alliance or M&A (Merger and Acquisition). The user evaluation DB 149 has a user ID column, a sales amount column, an ordinary income column, a debtor classification column, a loan column, a trading company column, a capital column, a cash deposit column, a sales growth column, a number of people growth column, a reservation sales column, and a word-of-mouth column. including. The user ID column stores user IDs. The sales amount column stores the user's sales amount. The ordinary income column stores the ordinary income of the user. Sales and ordinary profits are acquired from P/L performance data etc. stored in the index DB 143 and stored. The debtor classification column stores the user's debtor classification. The debtor classification is acquired from the matching index DB 144 and stored. The debtor classification may be obtained from a credit information providing system. The loan amount column stores the user's loan amount. The loan amount is acquired from the B/S performance data stored in the index DB 143 and stored. The trading company column stores the companies that are the user's main trading partners. Major customers are determined and stored based on the sales amount by customer, purchase amount by supplier, etc. stored in the index DB 143. The capital column stores the user's capital/investment amount. The amount of capital/investment is acquired from B/S performance data and stored. The cash deposit column stores the user's deposit amount. The deposit amount is acquired from B/S performance data and stored. The sales growth column stores the degree of growth of the user's sales. The degree of sales growth is evaluated using P/L performance data for multiple periods. The number of users growth column stores the degree of growth in the number of users. The degree of growth in the number of personnel is evaluated using the number of new employees, the number of retired employees, etc. stored in the index DB 143. The reservation sales column stores the sales amount due to reservations. Sales due to reservations are evaluated using the number of reservations stored in the index DB 143. The word-of-mouth column stores user word-of-mouth evaluations. The word-of-mouth evaluation is obtained from the word-of-mouth evaluation information stored in the index DB 143.

FIG. 13 is an explanatory diagram showing an example of an offer condition DB. The offer condition DB 14A stores the conditions of a company to which a user makes an offer. An offer is a suggestion or invitation. For example, this is an offer from a financial institution to encourage a company to use a loan. Another example is when a company proposes a business partnership to another company. Furthermore, companies sell their products and services to other companies. The offer condition DB 14A includes an ID column, a user ID column, a classification column, a name column, a condition 1 column, a condition 2 column, a condition 3 column, a condition 4 column, and a condition 5 column. The ID column stores offer IDs that can uniquely identify offer conditions. The user ID column stores the user ID of the user who has set the offer conditions. The category column stores the category of the offer. The categories are, for example, financing, partnership, and sales. Loan indicates an offer for financing. Partnership indicates an offer for a business partnership. Sales shows a sales offer. The name column stores the name, etc. of the user making the offer. In the case of financing, one financial institution may provide multiple financing plans, so the name column includes the financing plan name. Condition 1 to condition 5 columns store conditions related to companies making offers. If there are no five conditions for making an offer, the condition 5 column etc. is blank or "-" indicating not set is stored. The number of condition strings may be from 1 to 4, or may be 6 or more. In FIG. 13, an offer is made when all conditions shown in condition 1 to condition 5 columns (excluding blanks and unset conditions) are satisfied. The offer conditions for ID=B3 in Figure 13 are that Company XX offers a business partnership to a food and beverage company whose business area is Tokyo, which has good sales growth, good growth in the number of people, and has a word-of-mouth score of 3.0 or more. Indicates that the Although not included in the example in Figure 13, "+" in the values of condition 1 column to condition 5 column indicates that the condition is It is determined that the conditions are met.

FIG. 14 is an explanatory diagram showing an example of an attribute DB. The attribute DB 14B stores user attributes. In particular, when transmitting content to a user, user attributes are stored for selecting content suitable for the user. The attribute DB 14B includes a user ID column, an industry column, a business type column, an area column, one column of browsing history, two columns of browsing history, and three columns of browsing history. The user ID column stores user IDs. The industry column stores the user's industry. The business type column stores the user's business type. For example, if the business type is a restaurant business, the type of food provided, such as Japanese food or Chinese food, is stored in the business type. The area column stores the user's business area. The viewing history 1st column to the viewing history 3rd column store the viewing history of the home page. For example, a tag indicating the content of the viewed homepage is stored. The number of viewing history columns may be one or two, or four or more.

FIG. 15 is an explanatory diagram showing an example of a category DB. The category DB 14C stores categories of content. The category DB 14C includes an ID column and a category item column. The ID column stores an ID that can uniquely identify a category. The category item string stores the name of the category.

FIG. 16 is an explanatory diagram showing an example of a content DB. The content DB 14D stores content. Content is information that can be useful for management improvement, etc. The contents include, for example, examples of other companies, examples of promotional products, and advertisements. The content DB 14D includes an ID column, a category column, a display image column, a text information column, an industry column, a business type column, an area column, a tag 1 column, a tag 2 column, and a tag 3 column. The ID column stores an ID that can uniquely identify the content. The category column stores IDs indicating categories of content. The category ID corresponds to the value of the ID column of the category DB 14C shown in FIG. The display image column stores images to be displayed on the user terminal 2. The text information string stores text such as content description. The industry column stores the user's industry that matches the content. The business type column stores the user's business type that matches the content. The area column stores the user's business area that matches the content. The tag 1 to tag 3 columns store tags included in the user's browsing history that match the content. The number of tag strings may be one or two, or four or more.

FIG. 17 is an explanatory diagram showing an example of a history DB. The history DB 14E stores the browsing history of the user's web pages. The browsing history is acquired from the user terminal 2 or the proxy server or firewall used by the user terminal 2. The history DB 14E includes a user ID column, an industry column, a business type column, an area column, a date and time column, a URL column, one column of browsing history, two columns of browsing history, and three columns of browsing history. The user ID column stores user IDs. The industry column stores the user's industry. The business type column stores the user's business type. The area column stores the user's business area. The date and time column stores the viewing date and time. The URL column stores the URL (Uniform Resource Locator) of the viewed web page. The viewing history columns 1 to 3 store tags indicating the contents of the viewed Web pages. The tags to be stored in the viewing history 1 column to the viewing history 3 column are extracted from the web page. The tag may be determined by analyzing the content of the web page. The number of viewing history columns may be one or two, or four or more.

FIG. 18 is an explanatory diagram showing an example of a credit/anti-social DB. The credit/anti-social society DB 14F stores the credit score and the presence or absence of anti-social information. The credit/antisocial DB 14F includes a corporate ID column, a user ID column, a name column, an address column, a representative column, a credit column, and an antisocial column. The corporate ID column stores a corporate ID that can uniquely identify a company. The corporate ID is, for example, a corporate number designated by the National Tax Agency. For the corporate ID, a company code from Tokyo Shoko Research or Teikoku Databank may be used. If the relevant company is a user of the matching system 100, the user ID column stores the user ID. The name column stores the name of the company. The location column stores the location of the company. The representative column stores the name of the representative of the company. The representative is, for example, the representative director or representative director. The credit column stores the company's credit score. As the credit score, for example, a score out of 100 is stored. The credit score may be obtained from an external credit bureau or may be assigned by the matching server 1. When the matching server 1 gives points, it uses various information that the matching system 100 has, such as collected P/L information, B/S information, C/F information, order information, and reservation information, to give points. At that time, credit information from a credit bureau may be taken into account. The credit column may store not only one total score but also scores for each evaluation item. Evaluation items include, for example, managerial ability, growth potential, stability, and reputation. The anti-social column stores the presence or absence of information supporting that the company is an anti-social force. The antisocial column may store not only the presence or absence of information but also the content of the information.

Next, information processing performed by the matching system 100 will be explained. FIG. 19 is a flowchart showing an example of the procedure for account creation processing. Account processing is processing for registering user information and issuing an account. The CPU 21 of the user terminal 2 transmits an account creation request to the matching server 1 (step S1). The CPU 11 of the matching server 1 receives the account creation request (step S2). The CPU 11 transmits a user information input screen to the user terminal 2 (step S3). The CPU 21 of the user terminal 2 receives the input screen and displays it on the display unit 26 (step S4). The user uses the input unit 25 to input user information on the input screen and instructs transmission. The CPU 21 acquires user information (step S5). The CPU 21 transmits the user information to the matching server 1 (step S6). The CPU 11 of the matching server 1 receives the user information (step S7). The CPU 11 issues an account (step S8). More specifically, the CPU 11 issues a user ID. The CPU 11 stores the received user information in the user DB 141 in association with the issuing user ID. The CPU 11 transmits the completion screen to the user terminal 2 (step S9). The CPU 21 of the user terminal 2 receives the completion screen and displays it on the display unit 26 (step S10). The CPU 21 ends the account creation process.

FIG. 20 is a flowchart showing an example of the procedure of matching processing. The matching process is a process of matching the user's information with various information in response to a user's request, and transmitting information suitable for the user. The CPU 21 of the user terminal 2 transmits a matching request to the matching server 1 (step S21). The CPU 11 of the matching server 1 receives the matching request (step S22). The CPU 11 transmits a selection screen for allowing the user to select a matching type to the user terminal 2 (step S23). The CPU 21 of the user terminal 2 receives the selection screen and displays it on the display unit 26 (step S24). The user selects and inputs the matching type and instructs transmission. The CPU 21 acquires the matching type (step S25). The CPU 21 transmits the acquired matching type to the matching server 1 (step S26). The CPU 11 of the matching server 1 receives the matching type (step S27). The CPU 11 performs matching processing according to the matching type (step S28). Some examples of the contents of the matching process will be described later. The CPU 11 transmits the matching result to the user terminal 2 (step S29). The CPU 21 of the user terminal 2 receives the matching result and displays the received result on the display unit 26 (step S30). The CPU 21 ends the matching process.

FIGS. 21 and 22 are flowcharts showing an example of a procedure for subsidy/public loan matching processing. The subsidy/public financing matching process is a process of matching information regarding subsidies and public financing and extracting subsidies and public financing that the user may be able to obtain. The subsidy/public loan matching process is an example of the matching process performed in step S28 in FIG. 20. The CPU 11 of the matching server 1 acquires user information (step S41). Necessary user information is acquired from the user DB 141, additional information DB 142, index DB 143, matching index DB 144, and the like. The CPU 11 determines whether or not there is insufficient information when performing matching (step S42). When the CPU 11 determines that there is insufficient information (YES in step S42), the CPU 11 acquires the insufficient information (step S43). Specifically, the CPU 11 transmits a question screen for acquiring missing information to the user terminal 2, and acquires the user's answer from the user terminal 2. If the CPU 11 determines that there is no missing information (NO in step S42), the process moves to step S44. The CPU 11 selects grant information to be matched from the grant information stored in the grant/loan DB 147 (step S44). The CPU 11 assigns 1 to the variable n and FALSE to the flag (step S45). The CPU 11 determines whether the user satisfies the subsidy condition n (step S46). If the CPU 11 determines that the user satisfies condition n of the subsidy (YES in step S46), it determines whether condition n is an OR condition (step S47). When the CPU 11 determines that condition n is not an OR condition (NO in step S47), the process moves to step S49. If the CPU 11 determines that the condition n is an OR condition (YES in step S47), it assigns TRUE to the flag (step S48). The CPU 11 determines whether there are any undetermined conditions (step S49). If the CPU 11 determines that there is an undetermined condition (YES in step S49), it increases the variable n by 1 (step S50) and returns the process to step S46. When the CPU 11 determines that there are no undetermined conditions (NO in step S49), the CPU 11 stores information on the selected subsidy, for example, the ID, in the temporary storage area provided in the RAM 13 or the large-capacity storage unit 14 (step S51). If the CPU 11 determines that the user does not satisfy condition n of the subsidy (NO in step S46), the CPU 11 determines whether condition n is an OR condition (step S52). If the CPU 11 determines that condition n is an OR condition (YES in step S52), it determines whether the flag is TRUE (step S53). When the CPU 11 determines that the flag is TRUE (YES in step S53), the process moves to step S49. If the CPU 11 determines that the flag is not TRUE (NO in step S53), the process moves to step S54. When the CPU 11 determines that the condition n is not an OR condition (NO in step S52), the process moves to step S54. The CPU 11 determines whether there is any undetermined subsidy (step S54). When the CPU 11 determines that there is an undetermined subsidy (YES in step S54), the process returns to step S44, and processes regarding the undetermined subsidy are performed. If the CPU 11 determines that there is no undetermined subsidy (NO in step S54), it performs matching regarding public financing (FIG. 22).

The CPU 11 selects public loan information to be matched from the public loan information stored in the subsidy/loan DB 147 (step S55). The CPU 11 assigns 1 to the variable n and FALSE to the flag (step S56). The CPU 11 determines whether the user satisfies the condition n of public financing (step S57). When the CPU 11 determines that the user satisfies the condition n of public financing (YES in step S57), the CPU 11 determines whether condition n is an OR condition (step S58). If the CPU 11 determines that the condition n is not an OR condition (NO in step S58), the process moves to step S60. When the CPU 11 determines that the condition n is an OR condition (YES in step S58), it assigns TRUE to the flag (step S59). The CPU 11 determines whether there are any undetermined conditions (step S60). If the CPU 11 determines that there is an undetermined condition (YES in step S60), it increases the variable n by 1 (step S61), and returns the process to step S57. If the CPU 11 determines that there are no undetermined conditions (NO in step S60), the CPU 11 stores information on the selected public loan, for example, the ID, in the temporary storage area provided in the RAM 13 or the mass storage unit 14 (step S62). . If the CPU 11 determines that the user does not satisfy condition n of public financing (NO in step S57), it determines whether condition n is an OR condition (step S63). If the CPU 11 determines that condition n is an OR condition (YES in step S63), it determines whether the flag is TRUE (step S64). When the CPU 11 determines that the flag is TRUE (YES in step S64), the process moves to step S60. If the CPU 11 determines that the flag is not TRUE (NO in step S64), the process moves to step S65. If the CPU 11 determines that the condition n is not an OR condition (NO in step S63), the process moves to step S65. The CPU 11 determines whether there is any undetermined public financing (step S65). If the CPU 11 determines that there is an undetermined public loan (YES in step S65), the process returns to step S55 and processes the undetermined public loan. If the CPU 11 determines that there is no undetermined public loan (NO in step S65), it ends the subsidy/public loan matching process. The subsidy information and public financing information stored in the temporary storage area are transmitted to and displayed on the user terminal 2 as a matching result.

An example of subsidy/public loan matching processing will be explained. FIG. 23 is an explanatory diagram showing an example of subsidy/public loan matching processing. FIG. 23A is an excerpt from the user DB 141. FIG. 23B is an excerpt from the additional information DB 142. FIG. 23C is an excerpt from the subsidy/loan DB147. FIG. 23D shows an example of matching results.

Processing regarding company A (user ID=U0123456) will be explained. The CPU 11 performs matching processing regarding subsidies. The CPU 11 selects the subsidy with ID=A1 as a processing target. The CPU 11 makes a determination on condition 1. Condition 1 stipulates that the target company is a small to medium-sized company, and since Company A is a small to medium-sized company, the condition is met. The CPU 11 makes a determination on condition 2. Condition 2 stipulates that the target company's business area is nationwide, and Company A's area is nationwide, which satisfies the condition. The CPU 11 makes a determination on condition 3. Condition 3 stipulates that the target company employs elderly people, but Company A does not employ elderly people and does not meet the condition. The CPU 11 discontinues processing regarding the subsidy with ID=A1. Since the grants with ID=A2 and A3 have not yet been processed, the CPU 11 targets the grant with ID=A2. The CPU 11 makes a determination on condition 1. Condition 1 stipulates that the target company is a small to medium-sized company, and since Company A is a small to medium-sized company, the condition is met. The CPU 11 makes a determination on condition 2. Condition 2 stipulates that the target company's business area is nationwide, and Company A's area is nationwide, which satisfies the condition. The CPU 11 makes a determination on condition 3. Condition 3 stipulates that the target company employs young people, and Company A employs young people, so it satisfies the condition. Since there are no further conditions for the subsidy of A2, the CPU 11 determines that the subsidy of ID=A2 matches Company A, and stores the ID. Since the subsidy with ID=A3 has not yet been processed, the CPU 11 targets the subsidy with ID=A3. The CPU 11 makes a determination on condition 1. Condition 1 stipulates that the target company is a small to medium-sized company, and since Company A is a small to medium-sized company, the condition is met. The CPU 11 makes a determination on condition 2. Condition 2 stipulates that the target company's business area is nationwide, and Company A's area is nationwide, which satisfies the condition. The CPU 11 makes a determination on condition 3. Condition 3 stipulates that the target company is engaged in a new business, and Company A is engaged in a new business and therefore satisfies the condition. Since condition 3 has a + indicating an OR condition added, the CPU 11 sets the flag to TRUE. The CPU 11 makes a determination on condition 4. Condition 4 stipulates that the target company is developing new products, but since Company A is not developing products, the condition is not met. However, since + indicating the OR condition is added, the CPU 11 determines whether the flag is TRUE or not. Since the flag is TRUE, the CPU 11 continues processing the subsidy with ID=A3 and makes a determination on condition 5. Condition 5 stipulates that the target company receives support (certification support) from a certification support organization, and Company A satisfies the condition because it receives certification support. Since there are no further conditions for the subsidy of A3, the CPU 11 determines that the subsidy of ID=A3 matches Company A, and stores the ID. Since there is no unprocessed subsidy, the CPU 11 ends the subsidy matching and moves on to public loan matching.

The CPU 11 selects the public loan with ID=B1 as the processing target. The CPU 11 makes a determination on condition 1. Condition 1 stipulates that the target company is a small to medium-sized company, and since Company A is a small to medium-sized company, the condition is met. The CPU 11 makes a determination on condition 2. Condition 2 stipulates that the target company has been in business for less than two years, but Company A has been in business for five years, so it does not meet the condition. The CPU 11 discontinues processing regarding the public loan with ID=B1. Since the subsidies with ID=B2 and B3 have not yet been processed, the CPU 11 processes the public loan with ID=B2. The CPU 11 makes a determination on condition 1. Condition 1 stipulates that the target company is a small-sized company, and since Company A is not a small-sized company, it does not satisfy the condition. Since the public loan with ID=B3 has not yet been processed, the CPU 11 targets the public loan with ID=B3. The CPU 11 makes a determination on condition 1. Condition 1 stipulates that the target company is a small to medium-sized company, and since Company A is a small to medium-sized company, the condition is met. The CPU 11 makes a determination on condition 2. Condition 2 stipulates that the target company's company history is 7 years or less, and Company A's company history is 5 years, which satisfies the condition. Since there are no further conditions for the public loan of B3, the CPU 11 determines that the public loan of ID=B3 matches Company A, and stores the ID. Since there is no unprocessed public loan, the CPU 11 ends the public loan matching process and ends the subsidy/public loan matching process. As a result of the processing regarding Company A, A2 and A3 are stored as matching results for subsidies, and B3 is stored as a matching result for public financing.

The same applies to companies B and C, so a brief explanation will be provided. Company B will be explained. Regarding the subsidy with ID=A1, Company B satisfies Conditions 1 and 2, but Condition 3 does not apply because it does not employ elderly people. Regarding the subsidy with ID=A2, Company B satisfies all conditions, conditions 1 to 3, and therefore falls under the target company. Regarding the subsidy with ID=A3, Company B satisfies Conditions 1 to 3 and Condition 5. Company B does not satisfy condition 4, but since condition 4 is an OR condition with conditions 3 and 5, it ultimately satisfies the condition. Regarding the public loans with ID=B1 and B2, Company B satisfies all the conditions, Condition 1 and Condition 2, and therefore falls under the target company. Regarding public financing for ID=B3, conditions 1 to 3 are satisfied. Although Company B does not satisfy Conditions 4 and 5, since Conditions 5 and 4 are OR conditions with Condition 3, the conditions are satisfied as a result. Company C will be explained. Since Company C is not a small or medium-sized enterprise, it does not meet Condition 1 for all subsidies and public financing. Therefore, Company C is not eligible for any subsidies or public financing.

From the above, the subsidy/public loan matching processing results for Company A, Company B, and Company C are summarized as shown in FIG. 23D. Based on the results in Figure 23D, for companies A and B,
Proposals for the use of subsidies and public financing will be made. Company C was notified that there were no subsidies or public loans available.

FIG. 24 is a flowchart showing an example of a procedure for supplier matching processing. The supplier matching process is a process of extracting suppliers whose procurement amount (for example, purchase amount) is lower. The supplier matching process is an example of the matching process performed in step S28 of FIG. The CPU 11 of the matching server 1 acquires the pickup condition from the pickup condition DB 148 (step S71). The CPU 11 selects one of the acquired pickup conditions (step S72). The CPU 11 acquires an index (purchase amount) necessary for determining the selected pickup condition (step S73). The CPU 11 determines whether there is an index to be picked up based on the acquired pickup conditions and index (step S74). If the CPU 11 determines that there is no index to be picked up (NO in step S74), the process moves to step S78. If the CPU 11 determines that there is an index to be picked up (YES in step S74), the CPU 11 determines whether or not to drill down (step S75). Drilling down means digging down one level of the index to be processed. For example, if the amount of purchases is an index to be picked up, drilling down is performed because each purchased item needs to be processed. If the CPU 11 determines to drill down (YES in step S75), it performs recursive processing (step S76). That is, supplier matching processing is performed on the drilled-down index. For example, the purchase amount can be drilled down to the purchased items, and supplier matching processing can be performed for the purchased items. After the recursive process, the CPU 11 moves the process to step S78. If the CPU 11 determines not to drill down (NO in step S75), it acquires the content for the index to be picked up and stores it in the temporary storage area (step S77). The temporary storage area is provided, for example, in the RAM 13 or the mass storage section 14. The CPU 11 determines whether there are any unprocessed pickup conditions (step S78). If the CPU 11 determines that there is an unprocessed pickup condition (YES in step S78), the process returns to step S72 and processes the unprocessed pickup condition. If the CPU 11 determines that there are no unprocessed pickup conditions (NO in step S78), it ends the supplier matching process. The content stored in the temporary storage area is sent to the user terminal 2 and displayed as a result of matching.

An example of supplier matching processing will be explained. FIG. 25 is an explanatory diagram showing an example of index pickup. FIG. 25A shows the processing progress and processing results. FIG. 25B reproduces the contents of the pickup condition DB 148. FIG. 25 is an example of reviewing expenditures. In FIG. 25A, the expense item column indicates the expense item of the expenditure. The reference value column indicates reference values under the pickup conditions. The January column and February column show the amount of expenditure for each expense item for the past two months, assuming that the current month is March. The composition ratio column shows the ratio of each expense item to the total expenditure amount. The 2-month difference column shows the amount of increase/decrease for each expense item in 2 months as an absolute value. The increase/decrease column indicates the increase/decrease amount in percentage. The pickup column indicates whether or not the item is to be picked up. If it is a pick-up target, the pick-up column will be the pick-up condition names "Total Amount", "Increase", and "Standard". If the item is not eligible for pickup, the pickup line will be "not applicable."

As shown in FIG. 25A, the expenditure items are purchases, travel expenses, rent paid, and utilities. The amount for each expense item is obtained in advance from an accounting system or the like and stored in the index DB 143. The information is not limited to this, and may be obtained each time the processing is performed. The CPU 11 picks up expense items to be reviewed. The CPU 11 selects the "total amount" condition as the pickup condition. The CPU 11 calculates the composition ratio of each expense item according to the conditions. The composition ratio may be calculated in advance and stored in the matching index DB 144. The calculation results are shown in the composition ratio column of FIG. 25A. Since the pickup condition is the expense (expense item) with the highest composition ratio, the CPU 11 determines that the purchase amount with a composition ratio of 63% is to be picked up. Since the purchase amount needs to be processed for each purchased product, the CPU 11 drills down and performs recursive processing.

FIG. 26 is an explanatory diagram showing an example of processing related to purchase amount. In FIG. 26, the classification column indicates the classification of purchased items. Here, the purchased items are seafood, and the classification column indicates the name of the seafood. The business partner column indicates business partner companies by name. The January and February columns show the expenditure details for each category for the past two months, assuming that the current month is March. Each month column includes a number column, an amount column, and a unit price column. The number column indicates the number of transactions in the month. The amount column indicates the transaction amount for the month. The unit price column indicates the transaction unit price for the month. The contents of the classification column, transaction company column, January column, and February column are obtained from the index DB 143 that stores previously collected information. The information is not limited thereto, and may be obtained from journal data of a POS, an ordering system, an accounting system, etc. each time processing is performed. The pickup column shows the progress of the supplier mapping process. The increase/decrease amount column shows the increase/decrease in amount for two months. The applicable/non-applicable column indicates whether the CPU 11 has determined that the item corresponds to the pickup target or not. If applicable, the applicable/non-applicable column indicates the name of the applicable pickup condition. If not applicable, the Applicable/Not Applicable column indicates not applicable. The condition column indicates conditions for picking up content.

In the example shown in FIG. 26, the purchase amount is drilled down and processing is performed on the purchased items. Purchased products are classified into tuna, sea urchin, octopus, and others. The CPU 11 selects the "total amount" condition as the pickup condition. Although the composition ratio is omitted in FIG. 26, since sea urchin is the purchased item with the highest composition ratio, the CPU 11 determines that sea urchin is to be picked up. Since drill-down is not necessary, the CPU 11 acquires the content. Since sea urchin is purchased at a unit price of 8,000 yen, the content pick-up condition is information on wholesalers who sell sea urchin at a unit price of 8,000 yen or less. As a result, "Uni", "8,000", and "Less than" are shown in the condition column of the pickup column. The CPU 11 selects the "increase" condition as the pickup condition. In FIG. 26, since the amount of tuna has increased the most from January to February, the CPU 11 determines that tuna is the item to be picked up. Since drill-down is not necessary, the CPU 11 acquires the content. The content pick-up condition is information on businesses that wholesale tuna at a unit price of 11,000 yen or less. As a result, "tuna", "11,000", and "less than" are shown in the condition column of the pickup column. There are no purchased items that meet the pickup condition "criteria". The CPU 11 acquires and stores content that satisfies the conditions shown in the pickup condition column. The stored content is transmitted to the user terminal 2. The CPU 11 ends the processing for the purchased items. Note that when acquiring content, the above-mentioned list of business companies may be referred to, and content related to companies with which business has already been done may be excluded.

The CPU 11 drills up and ends the process for the pickup condition "total amount". The CPU 11 selects the "increase" condition as the pickup condition. Since the pickup condition is the expense (expense item) that has increased the most over a certain period of time, the CPU 11 determines that travel and transportation expenses with an increase/decrease rate of 150% are to be picked up. Since travel and transportation expenses require processing for each item, the CPU 11 drills down and performs recursive processing.

FIG. 27 is an explanatory diagram showing an example of processing related to travel expenses and transportation expenses. In FIG. 27, the classification column indicates the classification of travel and transportation expenses. The business partner column indicates business partner companies by name. The January and February columns show the expenditure details for each category for the past two months, assuming that the current month is March. Each month column includes a number column, an amount column, and a unit price column. The contents of each column are the same as those in FIG. The contents of the classification column, transaction company column, January column, and February column are obtained from the index DB 143 that stores previously collected information. The information is not limited to this, and may be obtained from journal data of a travel expense settlement system or an accounting system each time processing is performed. The pickup column shows the progress of the supplier mapping process. The increase/decrease amount column, applicable/non-applicable column, and condition column are the same as those in FIG. 26.

In the example shown in FIG. 27, processing is performed by drilling down on travel and transportation expenses. Here, it is divided into airplanes, trains, rental cars, and lodging. The CPU 11 selects the "total amount" condition as the pickup condition. In FIG. 27, since the airplane has the largest amount of money, the CPU 11 determines that the airplane is the pickup target. Since drill-down is not necessary, the CPU 11 acquires the content. The content pickup condition is an advertisement regarding airplane tickets or the like. As a result, "airplane ticket" is shown in the condition column of the pickup column. The CPU 11 selects the "increase" condition as the pickup condition. In FIG. 27, since the amount of money increasing from January to February is the largest for airplanes, the CPU 11 determines that airplanes are to be picked up. Since drill-down is not necessary, the CPU 11 acquires the content. Since the airplane has already been processed, the processing can be skipped. For example, the CPU 11 determines whether a value is stored in the condition column of the pickup column, and if a value is stored, skips the process. There are no expense items that meet the pickup condition "criteria". The CPU 11 acquires and stores content that satisfies the conditions shown in the pickup condition column. The stored content is transmitted to the user terminal 2. The CPU 11 ends the processing for travel expenses. Note that when acquiring content, the above-mentioned list of transaction companies may be referred to, and those related to companies with which the transaction has already been made may be excluded.

The CPU 11 drills up and ends the process for the pickup condition "increase". The CPU 11 selects the "standard" condition as the pickup condition. Since the condition for pickup is an expense (item) that exceeds a certain amount, the CPU 11 determines that the utility bill that exceeds the standard value is to be picked up. Since utility costs require processing for each item, the CPU 11 drills down and performs recursive processing. The subsequent processing is the same as that for purchase amount and travel expenses, so the explanation will be omitted.

FIG. 28 is an explanatory diagram showing an example of acquired content. FIG. 28 shows an example of content obtained as a result of the processing described using FIGS. 24 to 27. The pinpoint advertisement/advice sequence is content that is more suitable as a result of the supplier matching process. The about advertisement/advice column is content related to the content shown in the pinpoint advertisement/advice column. When displayed on the user terminal 2, the contents of the pinpoint advertisement/advice column are displayed in a more conspicuous position than the contents of the about advertisement/advice column. Alternatively, a plurality of contents in the pinpoint advertisement/advice column may be selected, sorted by wholesale price or sales price, and displayed in descending order of price.

Next, processing related to offers will be explained. FIG. 29 is a flowchart showing an example of the procedure of offer condition setting processing. The offer condition setting process is a process of setting conditions for the other party to whom the offer is made. Offer condition setting processing must be performed prior to performing offer matching. Based on an instruction from a user who wants to make an offer using the matching system 100, the CPU 21 of the user terminal 2 transmits an offer condition setting request to the matching server 1 (step S91). The CPU 11 of the matching server 1 receives the offer condition setting request (step S92). The CPU 11 transmits the setting screen to the user terminal 2 (step S93). The CPU 21 of the user terminal 2 receives the setting screen and displays it on the display unit 26 (step S94). The user inputs offer conditions using the input unit 25 and instructs transmission. The CPU 21 of the user terminal 2 acquires the offer conditions and transmits them to the matching server 1 (step S95). The CPU 11 of the matching server 1 receives the offer conditions and stores them in the offer conditions DB 14A (step S96). The CPU 11 transmits the completion screen to the user terminal 2 (step S97). The CPU 21 of the user terminal 2 receives the completion screen and displays it on the display unit 26 (step S98). The CPU 21 ends the offer condition setting process.

FIG. 30 is a flowchart illustrating an example of the procedure of offer matching processing. The offer matching process is a process of making offers to companies that match the offer conditions. The CPU 11 of the matching server 1 acquires offer conditions for matching from the offer condition DB 14A (step S111). The CPU 11 selects a user to be processed (step S112). The CPU 11 acquires information necessary for matching from the additional information DB 142 and the index DB 143 (step S113). The CPU 11 determines whether or not the user to be processed is a company with which the offer has already been made (step S114). If the CPU 11 determines that the user to be processed is a trading company (YES in step S114), the process moves to step S120. If the CPU 11 determines that the user to be processed is not a trading company (NO in step S114), it assigns 1 to the variable n (step S115). The CPU 11 determines whether the selected user satisfies condition n of the offer conditions (step S116). If the CPU 11 determines that condition n is not satisfied (NO in step S116), the process moves to step S120. If the CPU 11 determines that condition n is satisfied (YES in step S116), it determines whether there is a condition that has not been determined (step S117). If the CPU 11 determines that there is a condition that has not been determined (YES in step S117), it adds 1 to the variable n (step SS118), and returns the process to step S116. If the CPU 11 determines that there are no undetermined conditions (NO in step S117), the selected user stores the user's information, for example, the user ID, in a temporary storage area as a user who has satisfied the offer conditions (step S119). . The temporary storage area is provided in the RAM 13, the mass storage section 14, or the like. The CPU 11 determines whether there is an undetermined user who has not yet been determined (step S120). If the CPU 11 determines that there is an undetermined user (YES in step S120), the process returns to step S112 and processes regarding the undetermined user. When the CPU 11 determines that there are no undetermined users (NO in step S120), the CPU 11 transmits an offer to the users who meet the offer conditions (step S121). Offers can be sent via email or push notifications. A pop-up message may be displayed when the offer target user logs in. The CPU 11 sends a report message to the sender user to the effect that the offer has been sent (step S122). The report message will be sent by e-mail, etc. The CPU 11 ends the offer matching process. If the user who wants to make an offer has set multiple offers, the process shown in FIG. 30 is repeated. When processing offers from multiple users at once, the process shown in FIG. 30 is repeated. The offer matching process may be executed in response to an instruction from the user making the offer, like the matching process performed in step S28 in FIG. 20, or may be a daily batch process that is automatically started once a day.

FIG. 31 is an explanatory diagram showing an example of offer matching processing. FIG. 31A shows an example of a company (Company A) to be matched. The industry of Company A shown in FIG. 31A is the restaurant industry. Company A's business area is Tokyo. Company A has 20 employees. Company A's sales are 20 billion yen. Company A's ordinary income is 1 billion yen. Company A's debtor classification is normal. Company A's debt is 3 billion yen. Company A's trading companies are ○○ Bank and □□ Company. Company A's capital is 500 million yen. Company A's cash and deposits are 300 million yen. Company A's sales growth rate is over 20%. Company A's personnel growth rate is over 20%. Company A's reservation sales are 100 million yen. Company A's word-of-mouth rating is 3.5.

FIG. 31B shows the offer conditions and the matching results with Company A shown in FIG. 31A. In the case of processing regarding the offer condition of ID=A1, the CPU 11 acquires the basic information and additional information of Company A shown in FIG. 31A. The CPU 11 determines whether Company A is a trading company of Bank ○○ which makes the offer. Since Company A already has transactions with ○○ Bank, it is not eligible for the offer. The CPU 11 ends the offer matching process.

In the case of processing regarding the offer condition of ID=A2, since Company A is not a trading company of △△ bank that makes the offer, there is a possibility that it will be the target of the offer. The CPU 11 makes a determination on condition 1. Condition 1 is that the business area is Tokyo, and since Company A's business area is Tokyo, the CPU 11 determines that the condition is satisfied. The CPU 11 makes a determination on condition 2. Condition 2 requires that the company be in the black, and the CPU 11 determines that Company A satisfies the condition because its ordinary income is in the black. The CPU 11 makes a determination on condition 3. Condition 3 requires sales growth, and since Company A's sales growth rate is 20% or more, the CPU 11 verifies that the condition is met. Since there are no more conditions, the CPU 11 determines that company A matches.

Since the processing for other offer conditions is similar, only the matching results will be explained. Company A satisfies the offer conditions of ID=A3. In the offer conditions of ID=B1, Company A does not satisfy condition 1 that the sales area is Osaka. Company A satisfies the offer conditions of ID=B2. Company A satisfies the offer conditions of ID=B3. In the offer condition of ID=C1, since the company making the offer and company A already have a transaction, they are not eligible for the offer. In the offer conditions of ID=C2, Company A does not satisfy condition 1 that the sales area is Osaka. Company A satisfies the offer conditions of ID=C3. A summary of the above results results in the results shown in FIG. 31C. That is, regarding the loan offer, Company A satisfies the offer conditions of ID=A2 and A3. Regarding the partnership offer, Company A satisfies the offer conditions of ID=B2 and B3. Company A satisfies the offer condition of ID=B3 regarding the sales offer.

FIG. 32 is a flowchart illustrating an example of a procedure for matching processing for promotional materials, etc. The promotional material matching process is a process of transmitting promotional materials and examples of other companies to the user. The promotional item matching process is an example of the matching process performed in step S28 in FIG. 20. The CPU 11 of the matching server 1 acquires a category for matching (step S131). The category specified by the user is acquired from the user terminal 2. The CPU 11 acquires content belonging to the acquired category from the content DB 14D (step S132). The CPU 11 acquires user information (step S133). User information is acquired from the user DB 141, additional information DB 142, index DB 143, and the like. The CPU 11 selects matching content (step S134). The CPU 11 obtains a content score from the user information and content attributes (step S135). Here, the content attributes are the values stored in the business type column, business type column, area column, and tag 1 to tag 3 columns shown in FIG. The CPU 11 determines whether the score satisfies the conditions (step S136). If the CPU 11 determines that the score does not satisfy the conditions (NO in step S136), the process moves to step S138. If the CPU 11 determines that the score satisfies the conditions (YES in step S136), it stores the content as a transmission target (step S137). For example, the content ID is stored in a temporary storage area provided in the RAM 13 or the mass storage unit 14. The CPU 11 determines whether there is any unprocessed content (step S138). If the CPU 11 determines that there is unprocessed content (YES in step S138), the process returns to step S134 and processes the unprocessed content. If the CPU 11 determines that there is no unprocessed content (NO in step S138), it ends the promotional item matching process. As a matching result, the content is transmitted to the user terminal 2 and displayed.

FIG. 33 is an explanatory diagram showing an example of matching processing for promotional materials, etc. FIG. 33A shows user information. Browsing history 1 to Browsing history 3 are tags that indicate the contents of the content that the user has viewed. FIG. 33B shows user-selected matching categories. Here, the user has selected DM. DM is Direct Mail or Direct Message. FIG. 33C shows an excerpt of the content DB 14D and the progress of matching. In the example shown in FIG. 33, the business type, area, viewing history 1, viewing history 2, and viewing history 3 included in the user information are compared with the business type, area, tag 1, tag 2, and tag 3, which are the attributes of the content. are doing. Then, the number of matches (number of matches) is set as a score, and content with a match number of 3 or more is determined to be a match and is displayed.

The CPU 11 selects the content with ID=1. The attributes of the content are Japanese food, Shibuya Ward, luxury, color, and Japanese style. Since all of these match the user information, the number of matches is 5. When checking the number of matches for other contents, the values are shown in the number of matches column in the right table of FIG. 33C. Since the content to be displayed is the content with a match number of 3 or more, the content with ID=1 to 6 is the target.

Next, the account opening preparation process will be explained. The account opening preparation process is a process for preparing to open a transaction account. Opening a transaction account is not the opening of an account at a bank, but a procedure for conducting transactions between companies. FIG. 34 is a flowchart showing an example of the procedure for account opening preparation processing. For example, when a user wants to start a transaction with a new supplier based on the results of supplier matching, a transaction account is opened. The user selects to open an account from a screen displaying a list of companies, such as a favorites screen. The CPU 21 of the user terminal 2 transmits an account opening request to the matching server 1 (step S151). The CPU 11 of the matching server 1 receives the account opening request (step S152). The CPU 11 transmits the setting screen to the user terminal 2 (step S153). The settings screen is a screen for selecting the company with which you plan to request opening of a transaction account, and setting whether or not to perform a credit check or reflex check. The CPU 21 of the user terminal 2 receives the selection screen and displays it on the display unit 26 (step S154). The user uses the input section 25 to make settings. The CPU 21 acquires the setting information (step S155). The CPU 21 transmits the setting information to the matching server 1 (step S156). The CPU 11 of the matching server 1 receives the setting information (step S157). The CPU 11 determines whether a credit check is necessary (step S158). Whether or not a credit check is necessary is determined based on the setting information. If the CPU 11 determines that a credit check is not necessary (NO in step S158), the process moves to step S160. If the CPU 11 determines that a credit check is necessary (YES in step S158), it acquires credit information (step S159). Credit information is obtained from an external credit bureau. In the matching system 100, if various data such as financial data, accounting data, transaction data, performance data, etc. for each user are accumulated, these data may be analyzed to create credit information. The CPU 11 determines whether or not an antisocial check is necessary (step S160). Whether or not an anti-social check is necessary is determined based on the setting information. If the CPU 11 determines that the anti-social check is not necessary (NO in step S160), the process moves to step S162. If the CPU 11 determines that an anti-social check is necessary (YES in step S160), it acquires anti-social information (step S161). Anti-social information is obtained from an external anti-social checking and research organization. Similar to credit information, if the matching system 100 has accumulated data that allows anti-social checks, these data may be used to perform anti-social checks. The CPU 11 transmits the selection screen to the user terminal 2 (step S162). The selection screen is a screen where the user ultimately selects the company with which he/she requests to open an account. The CPU 21 of the user terminal 2 receives the selection screen and displays it on the display unit 26 (step S163). If the user specifies a credit check or reflection check, the selection screen displays the results for each candidate company. The user uses the input unit 25 to select a company with which to open an account. The CPU 21 acquires selection information (step S164). The CPU 21 transmits the selection information to the matching server 1 (step S165). The CPU 11 of the matching server 1 receives the selection information (step S166). The CPU 11 transmits a request to open a transaction account to the selected company (step S167). The CPU 11 transmits the completion screen to the user terminal 2 (step S168). The CPU 21 of the user terminal 2 receives the completion screen and displays it on the display unit 26 (step S169). The CPU 21 ends the account opening preparation process. When a company receives a request to open a trading account and agrees to the request, it downloads a form such as an application form from the matching server 1 and fills it out. Send the completed form and required attachments to the requesting company.

Next, the screen displayed on the user terminal 2 will be explained. FIG. 35 is an explanatory diagram showing an example of the basic information input screen. The basic information input screen is a screen where a company that becomes a new user of the matching system 100 inputs basic information. Basic information input screen d01 includes listed/unlisted setting area d011, family/non-family setting area d012, head office location setting menu d013, industry setting menu d014, company history setting field d015, fund setting area d016, number of employees input field d017, issuance It includes a button d018, a clear button d019, and a cancel button d01A. The listed/unlisted setting area d011 is an area where the user sets whether the item is listed or not listed using radio buttons. The family/non-family setting area d012 is an area where the user sets whether the company is a family company or a non-family company using radio buttons. The head office location setting menu d013 is a pull-down menu for setting the user's head office location. The industry setting menu d014 is a menu for setting the user's industry. The industry setting menu d014 includes a major category menu d0141 and a medium category menu d0142. The major classification menu d0141 is a menu for setting major classifications of industries. The intermediate classification menu d0142 is a menu for setting intermediate classifications. The contents of the medium classification menu d0142 are rewritten depending on the industry selected in the major classification menu d0141. In the company history setting field d015, enter the number of years since the company was founded. The fund setting area d016 is an area for setting the amount of capital or capital investment. The fund setting area d016 includes a numerical value column d0161 and a unit menu d0162. In the numerical value column d0161, a numerical value indicating capital or capital investment is input. Select the unit of capital or investment from the unit menu d0162. The units are, for example, million yen, ten million yen, and billion yen. The number of employees is entered in the number of employees input field d017. The issue button d018 is a button for confirming input contents and requesting issuance of an account. By operating the issue button d018, the input contents on the basic information input screen d01 are transmitted to the matching server 1, and an account is issued. That is, basic information is stored and a user ID is given to the user. Clear button d019 is a button for clearing input contents. By operating the clear button d019, the input contents on the basic information input screen d01 are cleared and the screen returns to the initial state. The cancel button d01A is a button for canceling the issuance of an account. When the cancel button d01A is operated, the basic information input screen d01 is closed and the input contents are not sent to the matching server 1.

FIG. 36 is an explanatory diagram showing an example of the matching type selection screen. The matching type selection screen d02 is a screen for selecting the matching type. The matching type selection screen d02 includes a selection area d021 and a setting button d022. The selection area d021 is an area for selecting the type. The selection area d021 includes a supplier d0211, a customer d0212, a funding source d0213, useful content d0214, and the like. Supplier d0211 is selected when matching a new supplier that can reduce purchasing costs. Customer d0212 is selected when matching a new customer with whom there is a possibility of doing business due to cost advantage. Funding source d0213 is selected when matching a new funding source. Useful content d0214 is selected when matching various contents that are likely to be useful for business. The setting button d022 is a button for determining the matching type and transitioning to a screen for setting matching conditions.

FIG. 37 is an explanatory diagram showing an example of the condition setting screen. The condition setting screen d03 is a screen for setting conditions for matching processing. FIG. 37 shows a condition setting screen d03 when performing supplier matching. The condition setting screen d03 includes a matching method selection area d031, a condition setting area d032, and a completion button d033. In the matching method selection area d031, the user selects whether to set conditions ("Search using the following conditions") or leave the setting of conditions to the matching server 1 ("Search using AI"). Matching searched using AI corresponds to the supplier matching described above. The condition setting area d032 is used when the user sets conditions. The condition setting area d032 includes a plurality of setting menus. FIG. 37 shows a purchasing conditions menu d0321 and a price conditions menu d0322. The purchase condition menu d0321 sets purchase conditions such as purchase purchase, consignment purchase, and consumption purchase. Purchasing is a form of purchasing in which products are purchased at one's own risk. Consignment purchasing is a form of purchasing in which the company does not own the product, but instead temporarily receives the product based on a consignment sales contract and receives a commission based on sales performance. Exhaustive purchasing is a type of purchasing in which orders are placed only for the amount that is sold. The price condition menu d0322 sets price conditions such as cash discount, quantity discount, seasonal discount, and sales promotion discount. Cash discounts are discounts for cash payments or early collections such as accounts receivable. Quantity discounts are discounts that are given for a certain period of time or according to the quantity purchased at each time. Seasonal discounts are discounts for purchasing seasonal products before the season. Promotional discounts are discounts that are used to cover the costs of promotional activities conducted by retailers. The completion button d033 is a button to complete the condition setting. When the completion button d033 is operated, the condition settings are sent to the matching server 1, and matching is started.

FIG. 38 is an explanatory diagram showing an example of a matching result screen. The matching result screen d04 includes a list area d041, a pacing control area d042, a condition setting area d043, and a determination button d044. The list area d041 shows the results when "Search by AI" is selected. The list area d041 displays companies selected by the supplier matching process. The list area d041 displays matching companies in card format. Card d0411 indicates "○○○ Corporation". Card d0412 "△△△Co., Ltd." is shown. Card d0413 indicates "□□□ Corporation". The pacing control area d042 controls the pacing of the list area d041. That is, when the results shown in the list area d041 span multiple pages, page switching is controlled. The pacing control area d042 includes a previous page arrow d0421, a page number area d0422, and a next page arrow d0423. When the previous page arrow d0421 is operated, the display switches to the previous page. When the number of displayed pages is one, the previous page arrow d0421 is inactive and cannot be operated. When any number in the page number area d0422 is operated, the page changes to the page corresponding to the operated number. For example, if you press 3, it will switch to page 3. The numbers displayed in the page number area d0422 are displayed according to the total number of pages. When the next page arrow d0423 is operated, the display switches to the next page. If the displayed page is the last page, the next page arrow d0423 is inactive and cannot be operated. The condition setting area d043 is an area for setting conditions when performing a narrowed search on the results displayed in the list area d041. The condition setting area d043 includes, for example, a purchase condition menu d0431 and a price condition menu d0432. The purchasing conditions menu d0431 and the price conditions menu d0432 are the same as the purchasing conditions menu d0321 and the price conditions menu d0322 shown in FIG. 37, respectively, so their explanation will be omitted. The decision button d044 is a button for executing a search. When the enter button d044 is operated, the search set in the condition setting area d043 is executed. Note that the conditions set in the condition setting area d043 may be an area for setting conditions for performing a new search unrelated to the list area d041, instead of a narrowing search. Further, the condition setting area d043 may allow selection of whether to perform a narrowed search or a new search.

FIG. 39 is an explanatory diagram showing an example of a company screen. The company screen d05 is a screen that displays detailed information about the company. The company screen d05 is displayed when one company displayed in the list area d041 of the matching result screen d04 is selected. The company screen d05 includes a name area d051, a label area d052, a basic area d053, a special color area d054, an offer button d055, and a favorite button d056. The name area d051 displays the name of the company. A label area d052 displays a company label. The matching server 1 gives the label. The label is assigned based on the history of various processes executed by the matching server 1. For example, the label "Popular" is ranked based on the number of offers received and is given to companies ranked 1st to 5th. For example, the label "highest match rate" is ranked based on the number of times the companies are selected through matching processing, and is given to companies ranked 1st to 5th. The basic area d053 displays basic information such as the company's headquarters location, representative name, capital, and business content. The special color area d054 displays the special characteristics of the company. The characteristics of the company are stored in the user DB 141, additional information DB 142, and the like. The offer button d055 is a button for transmitting an offer. When the offer button d055 is operated, an offer is sent to the displayed company. The favorite button d056 is a button to register as a favorite. This function is similar to favorites in a web browser. Favorite data is stored in the mass storage unit 27 of the user terminal 2, for example. Companies registered as favorites can be displayed on the company screen d05 directly from the favorites.

FIG. 40 is an explanatory diagram showing an example of the opening setting screen. The opening setting screen d06 is a screen for selecting a company with which to request opening of a transaction account, and setting whether or not to perform a credit check and reflex check. The opening setting screen d06 includes a company selection area d061, a credit check setting area d062, an antisocial check setting area d063, and an execution button d064. The company selection area d061 is an area for selecting a company for which a transaction account opening is to be requested from a list of companies. In FIG. 40, selection is made by checking the checkbox to the left of the company name. The companies listed in the company selection area d061 include companies displayed as matching results and companies registered as favorites. The credit check setting area d062 is used to set whether or not to conduct a credit check for the selected company. The anti-social check setting area d063 is used to set whether or not to perform an anti-social checking on the selected company. In the credit investigation setting area d062 and the anti-social society check setting area d063, if the check on the left is checked, a credit investigation and an anti-social society check are performed. The execution button d064 is a button for transmitting the settings to the matching server 1 and starting processing in the matching server 1. When the execution button d064 is operated, the matching server 1 performs processing according to the setting contents input on the opening setting screen d06.

FIG. 41 is an explanatory diagram showing an example of a destination selection screen. The destination selection screen d07 is a screen for ultimately selecting the company with which to request opening of an account. The destination selection screen d07 includes a company list d071, a document transmission selection area d072, and an execution button d073. The company list d071 displays the companies selected on the opening setting screen. If a credit check is performed, the results are displayed in association with each company. FIG. 41 shows how many points out of 100 points it is. When an anti-social check is performed, the results are displayed in association with each company. In FIG. 41, it is displayed whether each company falls under antisocial forces. If a company falls under anti-social forces, it will be indicated as "applicable." If the company does not fall under the category of anti-social forces, display "Not applicable." The document transmission selection area d072 is used to set whether or not to transmit a document. If you check the checkbox on the left, you will receive an account opening request along with the documents required to open an account. The documents also include forms to be filled out by the other party. Document data is uploaded to the matching server 1 in advance. The execution button d073 is a button for transmitting the setting contents on the destination selection screen d07 to the matching server 1 and starting processing in the matching server 1. When the execution button d073 is operated, the matching server 1 performs a process of transmitting an account opening request in accordance with the settings entered on the destination selection screen d07.

FIG. 42 is an explanatory diagram showing an example of the opening request reception screen. The opening request reception screen d08 is a screen indicating that an account opening request has been received. The opening request reception screen d08 is displayed on the user terminal 2 of the user who has received the account opening request. The opening request reception screen d08 includes a message display area d081, an input button d082, and a download button d083. The message display area d081 displays a message indicating that the account opening request has been received. The message includes the name of the company that made the account opening request. The input button d082 is a button for entering information necessary for opening an account. When the input button d082 is operated, a web input form is displayed. By simply filling out and sending a web input form, a company that has received an account opening request can send the necessary information to the requesting company. The download button d083 is a button for downloading a file for filling in information necessary for opening an account. When the download button d083 is operated, a screen for saving the file is displayed. A company that receives an account opening request enters the necessary information into the downloaded file and sends the file to the requesting company. Alternatively, print the file with the necessary information entered and mail it to the requesting company. Depending on settings, only one of the input button d082 and download button d083 may be displayed.

FIG. 43 is an explanatory diagram showing an example of a category selection screen and a promotional material display screen. FIG. 43A shows the category selection screen d09. FIG. 43B shows the promotional item display screen d10. The category selection screen d09 and the promotional item display screen d10 are screens displayed in the promotional item matching process. The category selection screen d09 is a screen for selecting a category of matching content. The promotional item display screen d10 is a screen displayed as a result of the promotional item matching process. On the category selection screen d09, buttons are displayed for each category. When the button of the selected category is selected, matching processing for promotional materials, etc. is executed by the matching server 1. The results are displayed as a promotional item display screen d10. FIG. 43 shows a case where the DM button d091 is selected on the category selection screen d09. A DM sample d101 is displayed on the promotional material display screen d10. If there are multiple DM samples, the display can be switched using the previous page arrow d102 and the next page arrow d103. When the previous page arrow d102 is operated, the display switches to the previous sample. If the displayed sample is the first sample, the previous page arrow d102 is inactive and cannot be operated. When the next page arrow d103 is operated, the display switches to the next sample. If the displayed sample is the last sample, the next page arrow d103 is inactive and cannot be operated.

This embodiment provides the following effects. The matching process outputs reference information for the user's business, allowing the user to improve his or her business based on the reference information.

The reference information obtained through the subsidy/public loan matching process is information on subsidies that may be granted and public loans that may be obtained. Since the information is narrowed down to information that satisfies the basic conditions, users can select the subsidies and public loans they wish to use and begin the necessary procedures immediately.

The reference information obtained through the supplier matching process is information on new supplier companies that can reduce procurement costs. Since information is provided about items that have a high cost reduction effect, it is possible to effectively reduce costs while suppressing the work associated with changing suppliers. Note that reference information may be displayed not only for expense items that have a high cost reduction effect, but also for all cost items that can be reduced in order of the cost items that have a high cost reduction effect. Furthermore, with regard to new suppliers, it is possible to request account opening and procedures for opening an account through the account opening preparation process, thereby reducing the number of administrative processes required before the start of transactions. Furthermore, in the account opening preparation process, it is possible to perform credit checks and anti-social checks on suppliers, so it is possible to exclude companies with which you should not start transactions.

An example of reference information obtained through the offer matching process is information on companies that are likely to become new business partners. An example of a company that is likely to become a new business partner is when the company's products are cheaper than those of its competitors, so the new business partner can reduce costs. Another example of reference information obtained through the offer matching process is information on new loan candidate companies and business partner candidate companies. By setting the conditions for lending in advance, financial institutions can obtain information only on companies that meet the conditions. This makes it possible to reduce the risk of being forced to give up on a loan because it turns out that the conditions are not met during the loan procedure.

Of the matching processes, the offer matching process may be executed based on instructions from the user making the offer, or may be a daily batch that is automatically started once a day, but other matching processes may also be performed. , may be started periodically by batch processing. The matching process may also be executed when a predetermined condition is met, such as every time a new user is added to the matching system 100.

The technical features (constituent features) described in each embodiment can be combined with each other, and new technical features can be formed by combining them.
The embodiments disclosed herein are illustrative in all respects and should be considered not to be restrictive. The scope of the present invention is indicated by the claims rather than the above-mentioned meaning, and is intended to include meanings equivalent to the claims and all changes within the scope.

100 Matching system 1 Matching server 11 CPU
12 ROM
13 RAM
14 Large capacity storage unit 141 User DB
142 Additional information DB
143 Indicator DB
144 Matching index DB
145 Small and medium judgment DB
146 Small scale judgment DB
147 Subsidy/loan DB
148 Pickup condition DB
149 User evaluation DB
14A Offer conditions DB
14B Attribute DB
14C Category DB
14D Content DB
14E History DB
14F Credit/Anti-Social DB
15 communication unit 16 reading unit 1P control program 1a portable storage medium 1b semiconductor memory 2 user terminal 3 other systems

Claims (4)

Upon receiving a matching request from a user terminal, displaying a selection screen on the user terminal for allowing the user to select a matching type;
An output program that causes a computer to perform a matching process according to the matching type when receiving the matching type selected on the selection screen from the user terminal, and transmitting the matching result to the user terminal,
As the matching process,
From the database, information on whether the company falls under the category of small and medium-sized enterprises, information on the business area, information on the history of the company, information on whether the company is starting a new business, information on whether the company employs the elderly, or employs young people. Obtain user information including information on whether or not
When performing matching, it is determined whether or not there is missing information, and if it is determined that there is missing information, the missing information is acquired,
Determining whether the user of the user terminal satisfies the conditions for the subsidy or loan, and storing information regarding the determined subsidy or loan;
An output program characterized by transmitting stored information regarding subsidies or loans as a matching result to the user terminal for display. When the computer determines that there is the missing information, the computer displays a question screen on the user terminal, receives the user's answer input on the question screen from the user terminal, and acquires the missing information. The output program according to claim 1, characterized in that: Upon receiving a matching request from a user terminal, displaying a selection screen on the user terminal for allowing the user to select a matching type;
Upon receiving the matching type selected on the selection screen from the user terminal, a computer performs a matching process according to the matching type and sends the matching result to the user terminal,
As the matching process,
From the database, information on whether the company falls under the category of small and medium-sized enterprises, information on the business area, information on the history of the company, information on whether the company is starting a new business, information on whether the company employs the elderly, or employs young people. Obtain user information including information on whether or not
When performing matching, it is determined whether or not there is missing information, and if it is determined that there is missing information, the missing information is acquired,
Determining whether the user of the user terminal satisfies the conditions for the subsidy or loan, and storing information regarding the determined subsidy or loan;
An output method characterized by transmitting stored information regarding subsidies or loans as a matching result to the user terminal for display. a selection screen display unit that, upon receiving a matching request from a user terminal, causes the user terminal to display a selection screen for allowing the user to select a matching type;
a matching processing unit that, upon receiving the matching type selected on the selection screen from the user terminal, performs matching processing according to the matching type;
and a transmitter that transmits the matching result to the user terminal,
The matching processing section
From the database, information on whether the company falls under the category of small and medium-sized enterprises, information on the business area, information on the history of the company, information on whether the company is starting a new business, information on whether the company employs the elderly, or employs young people. Obtain user information including information on whether or not
When performing matching, determine whether or not there is missing information, and if it is determined that there is missing information, obtain the missing information,
Determining whether the user of the user terminal satisfies the conditions for the subsidy or loan, and storing information regarding the determined subsidy or loan;
The output device is characterized in that the transmitter transmits the subsidy or loan information stored by the matching processor as a matching result to the user terminal for display.

Images